Your career is only just starting, so why worry about your retirement already? It's only natural that you feel that way. After all, your pension builds up automatically anyway, and it will pay out decades from now. But when you think about it, you do want to have enough income to live comfortably when you retire, don't you?
ING pays a fixed contribution into ING CDC Pensioenfonds every year. You and your employer both pay into that contribution. Your employer pays the largest part of the contribution. The amount you pay is specified in your collective labour agreement. You pay your contributions by way of monthly instalments which are deducted from your pre-tax salary. Your pension fund uses the contributions to make investments.